Ontario Insulation Rebates 2026: Complete Guide to Available Programs

Ontario homeowners looking to upgrade their insulation in 2026 have access to some of the best rebate and financing programs in years. Between provincial utility programs, federal loans, and municipal incentives, you could save thousands of dollars on your spray foam insulation project. Here is every program currently available, what you qualify for, and exactly how to apply.

1. Home Renovation Savings Program (HRSP)

The Home Renovation Savings Program is the primary rebate source for Ontario insulation upgrades in 2026. Administered jointly by Enbridge Gas and Save on Energy (for electrically heated homes), this program provides direct cash rebates for qualifying energy efficiency improvements.

Available Rebate Amounts

• Standalone attic insulation: Up to $1,250
• Basement insulation: Up to $1,250 (as part of multi-measure)
• Wall insulation: Up to $1,250 (as part of multi-measure)
• Multi-measure upgrade (insulation + air sealing + other measures): Up to $7,700 total
• Air sealing: Up to $550

Eligibility Requirements

• Must be an Enbridge Gas or Save on Energy customer
• Property must be an existing home (not new construction)
• Pre-retrofit EnerGuide home energy evaluation required
• Work must be completed by a registered contractor
• Post-retrofit EnerGuide evaluation required to confirm improvements
• Rebate application must be submitted within 120 days of post-retrofit evaluation

2. Canada Greener Homes Loan

The Canada Greener Homes Loan provides interest-free financing for eligible home energy retrofits. This is a loan, not a grant, but at 0% interest it is essentially free money to finance your insulation project.

• Loan amount: Up to $40,000
• Interest rate: 0%
• Repayment term: Up to 10 years
• Eligible improvements: Insulation, air sealing, windows, doors, heating systems, renewable energy
• Requirements: EnerGuide evaluation before and after, Canadian homeowner, primary residence

A $5,000 spray foam insulation project financed through this program would cost roughly $42 per month over 10 years with zero interest charges. Combined with energy savings of $50 to $100 per month, many homeowners see a net positive cash flow from day one.

3. Canada Greener Homes Grant

The Canada Greener Homes Grant program closed to new applications on December 31, 2025. If you applied before the deadline, your application is still being processed. The grant offered up to $5,000 for insulation upgrades. While the grant is no longer available, the Canada Greener Homes Loan (above) continues to accept applications.

4. Canada Green Homes Affordability Program (CGHAP)

The Canadian government has allocated $800 million for the Canada Green Homes Affordability Program, which is expected to launch in 2026. This program targets low-to-moderate income homeowners and will provide grants (not loans) for energy efficiency upgrades including insulation. Details on application processes and eligibility criteria are expected to be announced by mid-2026. We will update this guide as information becomes available.

5. City of Toronto HELP Program

The City of Toronto's Home Energy Loan Program (HELP) provides financing for energy efficiency improvements including insulation. The unique feature of HELP is that the loan is repaid through your property tax bill, making it accessible to homeowners who might not qualify for traditional financing.

• Loan amount: Up to $75,000
• Interest rate: Low fixed rate (currently below prime)
• Repayment: Through property tax bill over up to 20 years
• Eligibility: Toronto residential property owners, current on property taxes
• Key advantage: Loan stays with the property if you sell

How to Apply: Step-by-Step

Navigating multiple rebate programs can be confusing. Here is the process we recommend for maximizing your savings:

1. Schedule a Pre-Retrofit EnerGuide Evaluation ($250 to $350): This is required for both the HRSP and the Greener Homes Loan. The energy advisor will assess your home's current energy performance and identify recommended upgrades. Book this early as wait times can be 2 to 4 weeks.
2. Get Your Insulation Quote from Unique Fireproofing: We provide detailed, itemized quotes that include the information needed for rebate applications.
3. Apply for the Canada Greener Homes Loan (if desired): Submit your application through the NRCan portal with your EnerGuide report and contractor quote.
4. Complete the Insulation Work: Our team installs your spray foam insulation, typically in one day.
5. Schedule Post-Retrofit EnerGuide Evaluation: The same energy advisor returns to confirm the energy improvements.
6. Submit Your HRSP Rebate Application: Include the post-retrofit EnerGuide report, invoices, and proof of payment.
7. Receive Your Rebate: Rebates are typically processed within 8 to 12 weeks of submission.

Timeline and Planning Tips

• Start the EnerGuide evaluation process at least 4 to 6 weeks before your planned installation date.
• The HRSP program runs through November 2026 but is subject to available funding. Earlier applications have a higher chance of approval.
• HRSP and Greener Homes Loan can be combined — apply for both to maximize savings.
• Keep all receipts, invoices, and evaluation reports. Digital copies are accepted for most programs.
• Work with a contractor (like Unique Fireproofing) who is familiar with rebate requirements to ensure your project qualifies.

Maximizing Your Rebate: Real Example